FL RUSH - REBUTTALS - [ RUSH FREE-STYLE ] [ FREE-STYLE SUMMARY ] [ HITP ]
I'm not interested...
1. Perfect, I’m not interested either. I’m required to get this info YOU requested and you can do whatever you want with it.
Go back to VERIFY INFO.
I already got coverage...
Oh, ok yes I see that now, I missed that, your case actually got flagged. Looks like there are better rates for the same coverage now. Take about 5 min for the search and adjustment.
Go back to VERIFY INFO.
That wasn’t me: / I didn't fill this out: / None of the information is correct,,,
I mean I can’t remember what I had for breakfast, so I get it. Yeah, mistakes happen but, I do have your info though. And I am obligated to go over this with you real quick, and then you can do what you want with it. Grab and pen and paper so I can close this out and say I did my job, and we can just be done with this. Let me know when you are ready.
I need to discuss this with my wife...
Perfect, I think that is a great idea, go ahead and throw me on mute to discuss. I will be here waiting if you have any questions. My job is to see if you can even qualify for this first, like I went over in the beginning. If you do get approved you will have 30 days to discuss it Further.
I can’t afford it...
Can [ ] afford for you not this in place? What if you died yesterday in a car crash, what’s your plan now? How much weekly are you willing to invest for [ ] the person you love most in this world? Is $10 a week too much to sacrifice for [ ] to make sure she is protected? Why is this a bad idea to protect [ ], can you help me understand?
I need some more time to think about it. I just don't make decisions today?..
How long do you need?............. Oh okay, you will have 30 days to think about it. (But usually its budget.) Is this too expensive? What can you invest weekly to protect your family? Let's adjust it. We DON’T do second appointments, since we shop every carrier nationwide, and we won’t know if we can get it, until we apply. (Find the Need)
ONE LEGGER... You can give me the options, I make the decisions.
I can't do any presentation without both of you present. (Dig into details day by day till you find an opening. When are you both home? What is your schedule? When does she go to work?)
Well looks like the only time that would work is DAY morning. I don't have any opening left on that day, but since your schedule is more insane than anyone I have talked to this past month I am going to do you a favor, move another client and put you down for
TIME DAY.
I just need to shop around more?..
Ok what coverage are you looking for? Do you understand that’s what I just did, shopped for you? Prices are fixed by law. One agent can’t get a lower cost than another, they are fixed. So, the way you get the lowest cost is by shopping all the insurance carriers. So, let me ask you, is it price?
I have a financial planner/advisor that handles this stuff.
Awesome, so do I, this isn't for financial planning, it's for final expense insurance. (Move on back to script.)
I have already tried and I can't get approved...
I am sorry that happened. We are brokers, so we can shop multiple carries at the same time and we have policies that everyone can get approved on (Back to script)
I have a work policy…
Great yeah, those are kind are like rental policies so, we don’t consider them.
I don’t want to give my bank account:.....
Oh, I must have confused you. I'm not actually asking for your debit card information. That you actually don't want to be giving out. What I'm asking for is the routing number and the account number that's on the bottom of your checks that you pass around. So who do you bank with?
1. Yeah, I completely understand, got to be careful these days, just out of pure curiosity, what can you buy with a bank account, I don’t even know? Alright help me understand this so you're saying I put on an ad online, knew you would click it, learned and studied everything about life insurance. Made up a fake website to fill applications all to pay my utilities? Why would I do that? Seems like a big waste of time to me. Would you do that? Would anyone do that?
2. Why do banks still think it secure to hand out your check with name address and account numbers to strangers all over the world still to this day and they have thought it has been secure for 60 years. Can you understand that?
3. The debit cards are the things you don’t want to hand out, especially the CVS number. People don’t buy stuff with bank accounts. I don’t even know what I could buy with a bank account, do you know? Can you send me an email with the info?
I guess I’m confused. I don't get that question very often, can you explain further? How would we qualify you and customize the plan to your needs and budget? I want prices. You design the product and customize it for your needs/budget and we have to see what you would qualify for. Going back and forth on emails would be too lengthy.
I am elderly, and I want a lot of coverage for cheap...
Explain how insurance works and how it's not possible.
You can, it costs this much at your age. (Show crazy price, explain age, make cost go up)
Or we can do Equity Protection, 95% do that because it makes more sense and is affordable, or traditional Mortgage Protection which is an accidental policy and is also more affordable. What one do you think is best?